Be sure to check with your health insurance company to see how these terms apply to your health insurance coverage. All co-payments, co-insurance and deductibles are due at the time of service:

Co-payment or “co-pay”– The part of your medical bill you must pay each time you visit the doctor. This is a pre-set fee determined by your health insurance policy.

Co-insurance– The part of your bill that you must pay, which sometimes is in conjunction with your copay. Co-insurance is usually a percentage of the total medical bill- for example, 20%. Typically your deductible must be met prior to receiving co-insurance.

Deductible-The cost you must pay for medical treatment before your health insurance company starts to pay any fees at all. In most cases, a new deductible must be satisfied each calendar year.